Cheapest Car Insurance Quotes in Oakland

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Oakland Car Insurance

^$ 57

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oakland

The car insurance rate in Oakland is $1544 for a six-month policy, which is $81 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $920, making it a popular choice for budget-conscious drivers. Rates in Oakland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oakland

$1544

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Oakland

1st place: Travelers

At $920 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1027 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1123 for six months, making it the third cheapest auto insurance company in Oakland.

Oakland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakland, FL is Travelers, offering policies at just $920 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1027.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2269 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakland drivers find the best deals.

Cheap Car Insurance Companies in Oakland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$920	$155
State Farm	$1027	$173
Nationwide	$1123	$189
Progressive	$1190	$200
United Automobile Ins Group	$1298	$217
UAIC	$1422	$242
Allstate	$2319	$387
Mercury	$2449	$416
MetLife	$1428	$243
Farmers	$2269	$378

Key Takeaways

Way's key takeaways about car insurance in Oakland

The auto insurance costs in Oakland fall around $920 for six months.
The cheapest auto insurance company in Oakland is Travelers.
Teen drivers pay the highest rate in Oakland at $1312 per month.

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Cheapest Minimum Liability Car Insurance in Oakland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oakland are given below.

Travelers provides the cheapest minimum car insurance coverage in Oakland. Their Average 6 Month Premium is $338. Farmers is the most expensive at $626 for the same period.

Cheapest Liability Coverage in Oakland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$338	$57
State Farm	$367	$62
Mercury	$407	$68
Nationwide	$451	$77
MetLife	$474	$79
AIG	$530	$90
Progressive	$666	$112
United Automobile Ins Group	$683	$116
UAIC	$739	$124
Allstate	$846	$143
Patrons Insurance	$119	$20
Farmers	$626	$105

Cheapest Full Coverage Car Insurance in Oakland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oakland is Travelers at $155 per month and $920 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$920	$155
State Farm	$1027	$173
Nationwide	$1123	$189
Progressive	$1190	$200
United Automobile Ins Group	$1298	$217
UAIC	$1422	$242
Allstate	$2319	$387
Mercury	$2449	$416
MetLife	$1428	$243
Farmers	$2269	$378

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Average Car Insurance in Oakland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oakland, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakland, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oakland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oakland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Oakland,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Oakland at $86 per month. At $7714 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$514	$86
AIG	$694	$118
Travelers	$1512	$255
State Farm	$1817	$306
UAIC	$2421	$408
United Automobile Ins Group	$3200	$544
Allstate	$3950	$665
Progressive	$5084	$856
Mercury	$6015	$1013
Farmers	$7714	$1312

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Oakland, Nationwide is the cheapest car insurance provider. At $615 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Oakland is Farmers, offering rates of around $3138 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$615	$105
Mercury	$672	$112
Direct General Insurance	$700	$119
UAIC	$1360	$227
Travelers	$1490	$251
Progressive	$2618	$436
Allstate	$4593	$781
State Farm	$4701	$784
Farmers	$3138	$534

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Car Insurance Rates with An Accident in Oakland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oakland, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

The cheapest car insurance companies after an at-fault accident in Oakland include Nationwide and AIG, offering $649 and $829, respectively. Farmers is an expensive provider with an average six-month premium of $3165.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$649	$108
AIG	$829	$141
State Farm	$965	$162
Travelers	$982	$165
United Automobile Ins Group	$1687	$281
Mercury	$1743	$294
UAIC	$1766	$295
Progressive	$2313	$390
Allstate	$4119	$694
Farmers	$3165	$527

Oakland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakland FL. For example, the car insurance in Oakland after a DUI increases to $891 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Oakland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1733	$289
One Med/PIP claim	$1733	$295
Not-at-fault accident	$1873	$313
Two Med/PIP claims	$1925	$327
One comp claim	$1952	$326
Child safety restraint	$1958	$333
Failure to wear a seat belt	$1958	$327
Driving without lights	$1964	$333
Failure to show documents	$1964	$328
Speeding 6 - 10 MPH over limit	$2004	$341
Improper passing	$2009	$334
Passing school bus	$2009	$342
Wrong way/wrong lane	$2009	$334
Failure to stop at a red light	$2015	$343
Failure to yield	$2015	$335
Illegal turn	$2015	$343
Cell phone violation	$2021	$336
Driving with expired registration	$2021	$344
Following too closely	$2021	$336
Texting while driving	$2025	$345
Two comp claims	$2071	$345
Driving too slowly	$2082	$354
Speeding in school zone	$2082	$347
Speeding 11 - 15 MPH over limit	$2088	$355
In 65 MPH zone	$2161	$360
Speeding 16 - 20 MPH over limit	$2161	$368
Speeding 21 - 25 MPH over limit	$2173	$362
Open container	$2195	$373
Operating a vehicle without permission	$2195	$366
At-fault accident - less than $1000	$2382	$405
At-fault accident - $1000-$2000	$2421	$404
At-fault accident - greater than $2000	$2421	$411
Racing	$2618	$436
DUI	$2624	$447
Refusal to submit to a chemical test	$2624	$437
Driving with a suspended license	$2670	$454
Reckless driving	$2726	$454
Leaving scene of an accident/hit and run	$2754	$468

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oakland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oakland.

The cheapest car insurance premiums in Oakland are offered by AIG at $610 for a six-month policy. However, it can be as expensive as $2579 with companies like Farmers.

Oakland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$610	$104
Travelers	$998	$168
Progressive	$1146	$193
State Farm	$1377	$232
Allstate	$1862	$314
UAIC	$2393	$399
Farmers	$2579	$429

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oakland are offered by Nationwide at $530. However, it can be as expensive as $2754 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Oakland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$530	$88
State Farm	$672	$113
Travelers	$762	$128
Allstate	$1998	$336
UAIC	$2184	$364
Progressive	$2675	$455
Farmers	$2754	$468

Car Insurance Price Trends in Oakland, Florida

Car insurance rates in Oakland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oakland dipped by $243 in January compared to $262 of December. In other words, there has been an decrease by $19 when you compare January and December.

The average cost of liability insurance in the Oakland dipped to $79 in January, compared to $80 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Oakland?

The car insurance in Oakland is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Oakland?

The cheapest car insurance in Oakland is $155 per month for full coverage.

How much is car insurance in Oakland for teenagers?

Car insurance for teenagers costs $514 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oakland?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $259 per month to insure your car in Oakland.

Is car insurance expensive in Oakland?

Car insurance can be expensive in Oakland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oakland can be affordable.

Cheapest Car Insurance Quotes in Oakland

Why you can trust Way?

How Much Is Car Insurance in Oakland

Avg. Car Insurance in Oakland

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Oakland

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Oakland Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakland, FL

Way's key takeaways about car insurance in Oakland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakland

Cheapest Liability Coverage in Oakland, FL

Cheapest Full Coverage Car Insurance in Oakland

Cheapest Full Coverage Car Insurance Quotes in Oakland, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oakland, FL increasing?

Car Insurance Premiums by Age in Oakland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakland,FL

If you are in your twenties N/A is the best choice for car insurance in Oakland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oakland

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

Oakland Car Insurance Rates by Violation

Oakland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakland after a DUI

Oakland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakland after Speeding ticket

Car Insurance Price Trends in Oakland, Florida

Average Car Insurance Cost in Oakland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakland, FL

Car Insurance Rates by State in the USA (2025 Update)

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